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South West Sydney Multicultural No Interest Loans (NILs) Support
Empowering Multicultural Communities with Interest-Free Loans
FOCUS Connect, based in Campbelltown, is an approved No Interest Loans (NILs) provider, supporting multicultural and culturally and linguistically diverse (CALD) individuals and families across South West Sydney and Macarthur.
We provide safe, fair, and affordable credit with no fees, charges, or interest—ever.
What Are No Interest Loans (NILs)?
Life throws unexpected challenges: your washing machine breaks down, your car needs urgent repairs, or your child needs a laptop for school. NILs are here to help.
With NILs, you only repay what you borrow. We pay the supplier directly, no cash is given.
NILs help avoid high-cost lenders that can get you into trouble later. With NILs, you pay back only what you borrow, nothing more.
How Does NILs Work?
Submit your application with an invoice from a supplier or vendor. If approved, NILs pays the supplier directly. Note: Loans cannot be used for cash, bills, debts or rent.
How Much Can I Borrow?
Up to
$2,000 for essential goods and services:
Appliances, whitegoods, and furniture
Car repairs
Medical, dental, or veterinary expenses
Technology like a computer or laptop (up to $2,000)
Technology like a phone, tablet or small electronics (up to $1,000)
Education expenses (fees, uniforms)
Employment-related costs (tools, licences)
Up to $3,000 for:
Bond on a
new rental property
Recovery from a
natural disaster
Please Note: NILs cannot be used for cash, bills, general rent payments, or debt consolidation.
Am I Eligible?
To apply for NILs, you must meet all the following:
1. Income & Eligibility
You either:
- Hold a Health Care Card or Pension Card
- OR earn less than $70,000 (before tax) as a single
- OR earn less than $100,000 (before tax) with a partner or dependents
- OR have experienced
family or domestic violence in the past 10 years
2. Capacity to Repay
You must show that
your income exceeds your expenses, allowing for NILs repayments through
Centrepay or direct debit.
3. Residency Requirement
You’ve lived at your current address for at least 3 months
This requirement may be waived if you:
- Are a
repeat NILs borrower
- Are transitioning to
public or low-cost housing
- Have experienced
family or domestic violence
- Lived at a
previous address for 6+ months
Our Service Areas
We proudly support residents in:
How to Apply for
NILs
We’re here to make the process simple and stress-free.
Our team will:
- Guide you through the
application process
- Help you gather the right
documents
- Work with you to create a manageable budget
Submit an enquiry online and a team member will contact you shortly.
Frequently Asked Questions
What is a NILs loan?
An interest-free, fee-free loan for essential goods and services, paid directly to a supplier.
How much can I borrow?
- Up to $2,000 for essentials
- Up to $3,000 for rental bonds or disaster recovery
What can I use it for?
See full list above. It must be used for goods/services, not bills or cash.
Do I pay any fees or interest?
No. NILs are always 0% interest, with no fees or charges.
Do I need to provide security?
No security is required.
Can I apply if I’m on a low income?
Yes. If you meet the eligibility criteria listed above.
Can temporary visa holders apply?
Yes—if the loan term does not exceed your visa expiry date.
What documents do I need?
We’ll help you prepare a basic budget and collect supporting documents like income statements, rental agreements, and invoices.
How does repaying my NILs loan help others?
As you repay your loan, the funds become available to help someone else. It’s called the Circular Community Credit Model, a ripple effect of support across the community.
Need Support or Want to Refer Someone?
Whether you're applying for yourself or helping a loved one access support, FOCUS Connect is here to help.
